Cookie Policy
Last Updated: February 2025
At peroxilvan, we believe in being upfront about how we collect and use information when you visit our website. This policy explains how we use cookies and similar tracking technologies on peroxilvan.com.
We use these tools to improve your experience, understand how our site performs, and provide content that's actually relevant to your financial planning needs.
What Are Cookies Anyway?
Cookies are small text files that get stored on your device when you visit websites. Think of them as digital breadcrumbs that help websites remember who you are and what you've done on previous visits.
They're not programs and can't carry viruses. Most websites use them because they make the browsing experience smoother. Without cookies, websites would forget you the moment you navigated to a new page.
Types of Tracking We Use
Essential Cookies
These are necessary for the website to function properly. They enable basic features like page navigation and access to secure areas. The site won't work correctly without them.
Functional Cookies
These remember your preferences and choices, like your preferred language or region. They make your visits more personalized and convenient.
Analytical Cookies
We use these to understand how visitors interact with our site. They help us see what's working and what needs improvement by collecting anonymous usage data.
Marketing Cookies
These track your browsing habits to show you relevant content and advertisements. They help us understand which of our services might be most useful to you.
How We Actually Use This Information
Session Management
When you log into your account or use our budget planning tools, cookies keep you logged in as you move between pages. Nobody wants to re-enter their password every time they click a link.
Site Performance Analysis
We track which pages get the most traffic, how long people spend reading our financial guides, and where visitors tend to leave the site. This helps us figure out what content is actually helpful versus what's just taking up space.
Content Personalization
If you've shown interest in retirement planning versus debt management, we'll adjust what content we highlight for you. The goal is to show you information that matches your current financial priorities.
Service Improvement
By seeing how people use our calculators and planning tools, we can identify bugs, confusing interfaces, or features that need work. Real usage data beats guesswork every time.
Managing Your Cookie Preferences
You're in control of which cookies you accept. Most browsers let you refuse cookies or delete existing ones. Keep in mind that blocking certain cookies might affect how well the site works for you.
Here's how to adjust settings in common browsers:
How Long We Keep Cookie Data
Session cookies disappear when you close your browser. They're temporary by design and only exist while you're actively using the site.
Persistent cookies stick around longer, anywhere from a few days to several years depending on their purpose. For example, a cookie that remembers your login might last 30 days, while one tracking your content preferences could last up to two years.
We regularly review and clear out old cookie data that's no longer serving a purpose. There's no point hoarding information we don't actually use.
Third-Party Services
Some cookies on our site come from external services we use for analytics, advertising, or embedded content. These third parties have their own privacy policies governing how they handle your data. We work with reputable providers, but we don't control their practices directly. If you're concerned about third-party tracking, browser extensions that block these cookies are readily available.
Changes to This Policy
Technology changes. Privacy regulations evolve. As both happen, we'll update this policy to reflect new practices or legal requirements.
When we make significant changes, we'll post a notice on the site and update the date at the top of this page. We recommend checking back periodically, especially if you're particular about privacy settings.
Questions About Our Cookie Use?
If something in this policy isn't clear or you have specific concerns about how we're tracking site usage, reach out to us directly. We're happy to explain our approach in more detail.